最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务投融资

东京保险科技创企JustInCase获140万美元Pre-A轮融资

国际资讯基于互联网平台的金融业务投融资

东京保险科技创企JustInCase获140万美元Pre-A轮融资

东京保险科技创企JustInCase正式在东京财政管理局那里注册为一家小规模、短期的保险商。

该公司表示,已于7月1日正式推出保险业务移动应用JustInCase。公司之前的一款应用是基于检测的,而这款新应用提供的保险服务,能够帮助智能手机用户在手机功能出问题时承担损失,随后它还会推出新的服务功能。

与此同时,这家公司还宣布获140万美元Pre-A轮融资,投资方包括500 Startups Japan、Globis Capital Partners和Line Ventures等。加上之前的种子轮融资,目前公司的融资总额已经达到了180万美元。

这款应用会对用户每天使用智能手机的安全程度进行打分,保险更新时,公司会据此过去三个月的使用状况来给出返现。如果用户在最新的保险周期里没有进行过索赔,或者分数很高,那么他们平均能得到30%的返现。JustInCase一直在努力推广P2P保险模式,尽管事实上它是因为监管方面的限制而不得不如此。

总的来说,P2P将共享经济的概念引入了保险业,例如一群对保险感兴趣并且面临着相同风险的群体去支付保险费。P2P保险拥有诸多优点,包括其风险计算难度比传统保险更低,可以轻松开发出某些过去无法开发出的保险产品,保险欺诈和道德问题的发生率也更低,同时也可以通过返现来降低实际的保险费用。

与此同时,这家公司花了很长时间从监管机构那里获得认证,因为它是第一家尝试在日本推出P2P业务的企业,在这样的业务中,用户无需和任何保险公司人员接触就能在应用里完成所有保险申请步骤。

在该领域里,P2P保险创企包括Sure、Lemonade以及柏林的Friendsurance。其中Sure已经完成了1060万美元融资。Lemonade最近从软银等投资人那里获得了1.2亿美元融资。Friendsurance融资总额超过1500万美元,投资方包括Horizon Ventures和香港富豪李嘉诚。

Tokyo-based insuretech startup JustInCase has been officially registered as a small-amount / short-term insurer by the Tokyo Finance Bureau. In response to this, the company will officially launch an insurance business and new mobile app called JustInCase on the app store as of July 1st. Unlike an old app they were offering on a testing basis, the new app will start by offering an insurance service to cover repair costs in the event of a malfunction for smartphone users but add new service features later on.

In conjunction with the launch announcement, the company revealed that it had raised 150 million yen (about $1.4 million US) in a pre-series A round from 500 Startups Japan, Globis Capital Partners, Line Ventures and others. They have raised a total of 195 million yen (about $1.8 million) to date including the funds in a seed round.

The new app will score users on a daily basis about how they carefully use their smartphone so that premium rebate will be given to them at renewal of insurance according to the safety score measured in the last three months. If one has no claim which has been filed during the latest insurance period or has a high score indicating a lower risk, one gets a 30% discount on average for payment.

JustInCase tried to deal with P2P (peer-to-peer) insurance though the fact of the matter is that they virtually adopted it due to regulatory limitations.

Generally speaking, P2P applies the concept of a sharing economy to insurance, i.e. friends and groups of users (pools) who are interested in insurance against the same risk pay the insurance premiums, and a system is adopted whereby insurance money is paid out from this pool. P2P insurance has various merits including the risk being easier to calculate compared with conventional insurance, insurance products that were impossible in the past can be easily developed, insurance money fraud and moral hazard problems are less likely to occur, and ex-post facto premiums can be kept cheap (through cashback, etc.).

Meanwhile, JustInCase took a while to get approval from the regulator because it was the first attempt to launch a (virtual) P2P insurance in Japan where users can complete all application steps in the app and require no interaction with any insurance representative. The company says that it actually needed 467 days to complete the registration as an insurer on June 25th while its application process started back in March of 2017.

In this space, we’ve seen emerging P2P insurance startups such as Sure (having raised $10.6M US so far), Lemonade (recently raised $120M US from Softbank, GV or Google Ventures, Sequoia Capital and Allianz last year-end) or Berlin-based Friendsurance (raised more than $15M US from Horizon Ventures, the investment firm of Hong Kong billionaire Li Ka-Shing).


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

全球首个加密货币相关IPO有望在日本进行

GEORGI GEO... | 巴比特资讯 16小时前

2018年上半年金融科技行业并购总额达400亿美元

Alexandra ... | CITY A.M. 10-10

顶级风投公司眼中的金融科技三大潜力空间

栀航 10-09

2018年金融科技融资前3名:区块链、保险科技和支付

Diwakar Ma... 09-28

英国保险科技创企Setoo获930万美元融资

Iris Dorbi... | PE HUB 09-19

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1